1999 QUOTE UNQUOTE

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Pretty soon everything is going to be direct deposit. We are not going to invest in bricks and mortar.

-Tommy Cobb

When banks complain about credit unions they're really just licking self-inflicted wounds.

-Sen. Christoher Dodd

I'm not saying that getting new groups isn't important, but you've got to work with the people you have.

-Jeanne Smith

Less fortunate folks have known all along-it costs a lot to be poor.

-Jim Blaine

You don't sleep with the enemy, and these guys (the ABA) are the enemy.

-Brian McDonnell

No overlap protection will be the demise of small credit unions and the demise of NCUA. Why have NCUA? Merge it with the bank regulators.

-Robert Painton

While credit unions and banks have been at odds with one another, the whole world is changing around them.

-Patrick McQueen, Michigan FIB

There is a Stephen King novel coming out later this year: 'Too Afraid To Click Anymore."

-Rory Rowland

You can't expect your ship to come in unless you've sent one out.

-Dr. Randy Helms

It used to be members could just walk away. Now they can just click away.

-David Tafton

Legacy systems? Ancestral curse systems' would be a more accurate label.

-Peter Keen

Yesterday's a canceled check, tomorrow is a promissory note, but today is cash.

-Mary Ellen Withrow, U.S. Treasurer

We know we have to have ATMs, we know we have to have debit cards, we know we have to have Internet banking. We are chasing this unending demand for technology that we'll never grow fast enough, large enough to meet.

-Manager, small CU

Pending financial deregulation legislation will change the entire financial landscape. Don't delude youself into believing that credit unions will escape the consequences.

-Ralph Nader

We all listen to the same radio station no matter where we live. It's WIFM, what's in it for me.

-Cynthia Grow

Y2K is the el Nino of the financial services industry. It will do nothing and get blamed for everything.

-Bill Hampel

In the past, most marketers' familiarity with technology was "fonts." -Randy Harrington

Unless O.J. Simpson marries Monica Lewinsky on Dec. 25, the media will have a feeding frenzy with Y2K.

-Joseph Melchione

I have a PC they insist on having on my desk and IT sees me as the gray-headed old bastard who can't get it right. We also used to have a system where the member could call in and leave their name on an answering machine and ask to have a check mailed to them, and we would do it. It really wasn't very secure and we never lost a cent. Today we've got secure plastic cards with mag stripes and PINs and we lose about $200,000 a year.

-John Prescott

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